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Topic # 114433 19-Feb-2013 22:22
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These card were originally marketed as allowing online transactions without using a credit card. 

At first, they worked for pretty much everything. It was a great way to have the online convenience of VISA without actually borrowing any money. 

Then in the US....a year or so ago....someone realised this mode of use was cutting into the usual charges and fees related to credit cards and they started either charging additional fees or refusing the transactions. 

Looks like the same thing is happening here in NZ, too. At first I could use the debit VISA to buy pizza at Dominoes....but not any more. That was the first sign of trouble. Now I find that almost every attempt to use my debit VISA online is "declined" by my bank....but if I use my credit card....hey! It works. No problem.

The problem can't be the account balance. There is more than enough funds to cover my transactions....with loads (and loads) left over. 

So I ask myself...why have a debit VISA at all if the banks are now no longer allowing me to use it like a VISA?

I may as well go back to an ordinary ATM card.




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  Reply # 766043 19-Feb-2013 22:24
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I haven't experienced this due to increased use of my mastercard online for the additional fraud protection i feel it offers, but is dominos seriously declining visa debit? Saying that i always pay on pickup/delivery.

That's really annoying if this is becoming a common thing, can anyone confirm their own experiences?



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  Reply # 766047 19-Feb-2013 22:29
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eXDee: I haven't experienced this due to increased use of my mastercard online for the additional fraud protection i feel it offers, but is dominos seriously declining visa debit? Saying that i always pay on pickup/delivery.

That's really annoying if this is becoming a common thing, can anyone confirm their own experiences?


I struck it tonight trying to do a top-up of a Telecom Pre-pay phone. It rejected my VISA debit, but accepted my MasterCard.

Vodafone still let me use my VISA debit.  




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  Reply # 766050 19-Feb-2013 22:37
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Is that Via an EFTPOS machine? I know they won't always allow VISA debit, as since the money is coming direct out off an account anyway, then they obviously prefer the no (low) fee of a bank debit card transaction instead.




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  Reply # 766051 19-Feb-2013 22:37
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Are you sure the card is not faulty and can't be read? Or are these online transactions?




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  Reply # 766055 19-Feb-2013 22:39
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Interesting.. I have an ASB Visa Debit, and will try out your scenario tomorrow.. I'd be pi1sed of they don't accept Visa debits in future!






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  Reply # 766060 19-Feb-2013 22:42
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coffeebaron: Is that Via an EFTPOS machine? I know they won't always allow VISA debit, as since the money is coming direct out off an account anyway, then they obviously prefer the no (low) fee of a bank debit card transaction instead.


No. It was an online transaction via the "Your Telecom" web pages. 
 




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  Reply # 766063 19-Feb-2013 22:45
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I haven't had any issues using my ASB Visa Debit online in the years that i've had it. The only problem I've had is that some parking machines aren't so happy with it, but that's another issue entirely.




 




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  Reply # 766086 19-Feb-2013 23:21
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freitasm: Are you sure the card is not faulty and can't be read? Or are these online transactions?


They are all online. I have no problem with EFTPOS transactions. I could use a normal old ATM card for those anyway. 

I'm talking about the online transactions that you can't do with ATM cards.....and finding that increasingly I can't do them with debit VISA either.




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  Reply # 766089 19-Feb-2013 23:24
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Peppery: I haven't had any issues using my ASB Visa Debit online in the years that i've had it. The only problem I've had is that some parking machines aren't so happy with it, but that's another issue entirely.


Agreed. EFTPOS is not accepted by all parking machines, though they have improved. But you don't need a VISA debit for those anyway. I'm thinking of the machines at Auckland airport. 




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  Reply # 766101 19-Feb-2013 23:46
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Linuxluver:
eXDee: I haven't experienced this due to increased use of my mastercard online for the additional fraud protection i feel it offers, but is dominos seriously declining visa debit? Saying that i always pay on pickup/delivery.

That's really annoying if this is becoming a common thing, can anyone confirm their own experiences?


I struck it tonight trying to do a top-up of a Telecom Pre-pay phone. It rejected my VISA debit, but accepted my MasterCard.

Vodafone still let me use my VISA debit.  


Topped up my phone today with Westpac Visa Debit card. No issues at all.

Have been using it a bit online lately without any problems as well.

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  Reply # 766105 19-Feb-2013 23:59
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If you get declined, you should contact the merchant. They will have the decline reason code which they can inquire as to what it means.

With these transactions, did they ask for the 3-digit CVV code? Some banks now absolutely require this for a transaction and there are still merchants out there that do not request it for an online transaction, and other similar things.

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  Reply # 766108 20-Feb-2013 00:20
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Just to clarify, do you have a bank issued Visa Debit that takes funds from your bank account, or a card like Prezzie from NZ Post that is a separate account? I have both, and have had no problems with the former.

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  Reply # 766111 20-Feb-2013 00:50
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Linuxluver:
Peppery: I haven't had any issues using my ASB Visa Debit online in the years that i've had it. The only problem I've had is that some parking machines aren't so happy with it, but that's another issue entirely.


Agreed. EFTPOS is not accepted by all parking machines, though they have improved. But you don't need a VISA debit for those anyway. I'm thinking of the machines at Auckland airport. 


I would've thought that it would've simply charged it like any other Visa card.




 


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  Reply # 766128 20-Feb-2013 06:24
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I gave up trying to use my ASB debit card online for the same reason, doesn't work on anything, not even Vodafone.

And yes I did make sure the billing address the card is registered to is correct :)




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  Reply # 766131 20-Feb-2013 07:08
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never had a problem online with my Visa Debit from ASB.

I put airfares to USA on it thru Hawaiian airlines last month and always top up my prepaid on Vodafone, pay trademe fees etc.

As far as Domino's I have never tried it as I always pick up.

One thing I do note is that when I am in store and accidently press credit while using my Visa Debit card it will reject the transaction, all I have to do it select the correct account and try again.





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